look, this is your future. >> i think we should go in the opposite direction. with the advent of credit cards we have seen a direct correlation to the rise in credit debt. let me grab the drinks. i will get you dinner. here, young fellow, i will take 45 minutes back there. when you have a credit card you don't think about anything. what i am thinking, go back. if you watch westerns they have big bags of coins. you can't spend a lot with a big bag of coins. here, that's $5. no, i am going to give you four and they throw the four. >> does anybody around the table remember the last time greg said, wait, i will get the drinks tonight? >> how dare you. >> that's a private debt, and it is part of what is holding back economic growth. >> you wouldn't be able to purchase your illegal drugs and pay your hookers and the korean massage parlor, you are